Safe Rate Rankings

Best Bank Mortgage Lenders in Grand Junction

Updated February 5, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders6
Total Loans240
Median Rate Spread0.11%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
U.S. Bank National AssociationBank
Strong
Strong
Strong
Sound
$857Fees
0.006%Above
29
2
Alpine BankBank
Strong
Strong
Sound
Strong
$1,812Fees
0.018%Below
29
3
Zions Bancorporation, N.A.Bank
Strong
Strong
Sound
Sound
$98Credit
0.080%Below
30
4
The Central Trust BankBank
Strong
Sound
Strong
Sound
$2,827Fees
0.446%Above
27
5
Northpointe BankBank
Strong
Sound
Strong
Sound
$3,647Fees
0.185%Above
27
6
Bank of ColoradoBank
Sound
Acceptable
Sound
Strong
$3,929Fees
0.026%Above
27

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.